ESL Credit Cards

Built for the Way You Spend

Whether you’re looking for rewards or savings, ESL has a credit card designed for the way you spend. From everyday purchases to managing balances, the right ESL credit card can help your spending go further.

Get 0% Intro APR for 12 Months1

Plus, both cards offer:

No balance transfer fees2 and no annual fees2 ever.

A smart way to consolidate high-interest rate credit card balances.

Account access anytime, anywhere with ESL Mobile and Online Banking.

Potential to grow your ESL Owners’ Dividend3 with every purchase and average monthly outstanding balances.

 

ESL Visa® Credit Card

Built to help you save more and stress less.

If your goal is reducing interest, paying down balances, or simplifying everyday finances, the ESL Visa Credit Card offers straightforward savings and flexibility designed to help you move forward with confidence

  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Low ongoing rates from 11.75%-17.99% APR1
  • Easily transfer your balances online (learn how)

ESL Visa Credit Card Rates and Terms

ESL Rewards Visa Signature® Credit Card

Built to make every dollar work a little harder.

With rewarding points on everyday purchases, the ESL Rewards Visa Signature Credit Card helps you get more from the spending you already do.

  • Earn 20,000 bonus rewards points when you spend $1,000 in the first 90 days4
  • Earn points on what matters most:
    • 3 points per $1 on Dining
    • 2 points per $1 on Gas, Groceries, and Travel
    • 1 point per $1 on everything else
  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Ongoing rate of 17.99%1
  • Points that never expire

ESL Rewards Visa Signature Credit Card Rates and Terms

 

Rates accurate as of

1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% Introductory APR available to new accounts only and is fixed for 12 billing cycles from account open date. After that, ESL Visa Credit Card Prime Rate + 5.00% up to Prime Rate + 14.24%, and ESL Rewards Visa Signature Credit Card Prime Rate + 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 7/1/26, the Prime Rate is [current prime rate].

2: Cash advance and foreign transaction fees may apply.

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

4: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.